35W837 Bluff Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 35W837 Bluff Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,599 sqft · built 1972
Lot Size	0.495 acres (21,562 sqft)
Owner	2 Individual Names on File
Last Sale	$397,000 (May 2022)
Tax Bill	$2,806 (2022)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-15-352-001`

Property Details

APN / Parcel Number

Primary APN	`09-15-352-001`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,599 sqft Living Area
1st Floor Area	1,599 sqft
Basement Area	1,288 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Split Level
Exterior Material	Combination
Roof Type	Hip
Roof Material	Asphalt
Lot Area	21,562 sqft (0.495 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	35W837 BLUFF DR
City	SAINT CHARLES
State	IL
Zip	60175-5194
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 1
Legal Subdivision	FARMINGTON
Legal Block	1
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1030
Census Tract	852103

Owner

Source: Kane County records · APN 09-15-352-001

Assessment roll updated August 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	35W837 BLUFF DR, SAINT CHARLES, IL 60175-5194
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 11, 2022 · Amount on Record
Deed Sale	May 11, 2022 · Amount on Record
Prior Sale	Jul 11, 2000 · Amount on Record
Deed Document Number	202225442
Prior Transfer Date	May 01, 2016
Prior Transfer Doc	0000020800
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 11, 2022
Property Address	35W837 BLUFF DR, ST CHARLES, IL 60175-5194
Document Number	0000025442
Instrument Date	May 05, 2022
Instrument	2022K025442
Transaction Type	Transfer
Record Updated	May 18, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$397.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4429 N VORTON #1 # 1, 1, CHICAGO, IL 60630

Mortgage

Document Number	0000025443
Date	May 11, 2022
Instrument	2022K025443

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Interest

Rate Type	Fixed Rate
Rate	4.35%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	St. Charles Township
Unified School District	St. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Veteran's exemption
2024		$132,967 (+29.78%) Land $37,240 Building $95,727	$399,061 (+29.83%) Land $111,765 Building $287,296
2022	$2,806.00 (-59.63%) Disabled Person's exemption Veteran's exemption	$102,458 (+4.91%) Land $36,893 Building $65,565	$307,374 (+4.91%) Land $110,679 Building $196,695
2021	$6,950.00 Homeowner's exemption	$97,662 Land $35,166 Building $62,496	$292,986 Land $105,498 Building $187,488

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · other causes

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Metronet Holdings, Verizon.

Based on FCC filings for 111 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST CHARLES serves 33,081 people
Water Source	Groundwater
Last State Inspection	Oct 2022
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.